417 Elm St, Kerrville, TX 78028 Property Records

Kerr County property record for 417 Elm St, Kerrville, TX 78028

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,021 sqft · built 1997
Lot Size	0.171 acres (7,463 sqft)
Owner	Company Name on File
Last Sale	$196,900 (Jul 2018)
Tax Bill	$4,093 (2026)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`6840-0150-010000`

Property Details

APN / Parcel Number

Primary APN	`6840-0150-010000`
Alternative APN	`40495`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,021 sqft Living Area
Gross Area	2,013 sqft
1st Floor Area	1,021 sqft
Upper Floors Area	324 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,463 sqft (0.171 acres)
Lot Dimensions	144 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	162 sqft
Carport	Carport
Carport Area	162 sqft

Exterior Amenities

Porch	Slab
Porch Area	55 sqft
Patio Area	55 sqft
Storage Building	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	6840-0150-010000
Street Address	417 ELM ST
City	KERRVILLE
State	TX
Zip	78028-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WESTLAND BLK 15 LOT 10
Legal Subdivision	WESTLAND
Legal Block	15
Legal Lot Number	10
Jurisdiction	KERR TX
Township / Civil Division	KERRVILLE
Census Block Group	4
Census Block	4019
Census Tract	960500

Owner

417 Elm St is owned by a company that bought it in July 2018.

Source: Kerr County records, as of September 29, 2026

Owner of Record	Company Name on File
Mailing Address	417 ELM ST, KERRVILLE, TX 78028-4217
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2018 · Amount on File
Deed Sale	Jul 24, 2018 · Amount on File
Deed Document Number	20184646
Prior Transfer Date	Jul 20, 2018
Prior Transfer Doc	0000004646
Record Updated	Oct 29, 2026

July 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KERR TX
Recording Date	Jul 24, 2018
Property Address	417 ELM ST, KERRVILLE, TX 78028-4217
Document Number	18004646
Map Reference	VOL 43 PG 577
Instrument Date	Jul 20, 2018
Instrument	18-004646
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	TRINITY TITLE OF PASCO INC, TRINITY TITLE OF TEXAS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 ELM ST, KERRVILLE, TX 78028-4217

Mortgage

Document Number	18004647
Date	Jul 24, 2018
Instrument	18-004647

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 417 Elm St was $4,093, up % from the year before.

Source: Kerr County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Kerr County
Municipality	Kerrville City
Unified School District	Kerrville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,093.00 (+0.02%)	$225,957 (-) Land $30,000 Building $195,957	$225,957 (-) Land $30,000 Building $195,957
2025	$4,092.00 (+62.7%)	$225,957 Land $30,000 Building $195,957	$225,957 Land $30,000 Building $195,957
2024	$2,515.00 (-46.12%)
2023	$4,668.00	$251,254 Land $30,000 Building $221,254	$251,254 Land $30,000 Building $221,254

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 417 Elm St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective August 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 417 Elm St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF KERRVILLE serves 30,530 people · EPA ID TX1330001
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024
Treatment and Procedure	Coliform assessment Aug 2016
Monitoring and Reporting	14 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 547 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
VTX Communications Fixed Wireless	940 / 940
Hill Country Telecommunications Fixed Wireless · Fiber in parts of the area	300 / 50
Verizon Fixed Wireless	300 / 20